What Are the State Laws for Recreational Vehicle Insurance in Flowood, MS?

Posted on November 26, 2025November 7, 2025 by admin

In Mississippi, motorhomes or recreational vehicles (RVs) need liability insurance to cover at least $25,000 per person and $50,000 per accident for bodily injury. You also need a policy that covers at least $25,000 for damage to property. You can always get more coverage, but these are the minimum requirements by the state. Learn more from the professionals at Riverside Insurance Agency Inc. serving Flowood, MS and surrounding areas.

If you have a pop-up camper or a travel trailer, you don’t have to get RV insurance. They are usually already covered by the car that tows them. You also might have to have more coverage if your RV is still financed through a bank and you don’t own it outright. Some lenders require replacement insurance and higher coverage limits.

Optional Coverage for RVs and Motorhomes in Flowood, MS

Comprehensive and collision coverage are sometimes required by your lender or bank, but not by the state of Mississippi. It is still wise to get a policy to cover theft, fire, or damage to any vehicle you own, whether it’s an RV, a pop-up trailer or another towed vehicle.

You can purchase optional insurance coverage like:

Uninsured motorist protection
Personal injury protection (PIP)
Roadside assistance

If You Live in Your RV

If you live full-time in your motorhome, you may need to get a particular type of policy that covers more than a standard RV insurance policy would. It includes coverage for damage that might happen while you’re parked, not just while you are driving.

If you aren’t sure what type of coverage you need. first ask your lender, then reach out to a qualified insurance agent that can help you determine which policy is best for you.

Call Riverside Insurance Agency Inc. serving Flowood, MS and surrounding areas to learn more about insurance for your recreational vehicle (RV) today.

What Is Marine Business Insurance?

Posted on October 31, 2025October 21, 2025 by admin

Marine business insurance is vital to any Flowood, MS, business owner who uses one or more boats for commercial purposes. This type of insurance can be tailored to meet the needs of sole proprietors who give boat tours, companies that rent out paddle boats for kids, fishing businesses, boat schools, charters, and more.

What Does Marine Business Insurance Cover?

Marine business insurance coverage varies depending on your chosen policy and policy riders. General liability insurance typically covers products and operations, premises liability, fires, medical payments, and legal costs arising from incidents occurring on one of your boats. This is sufficient for many small business owners, but those who operate large boats carrying large cargo and/or many people per trip may want to consider an excess liability policy with a high liability limit.

Physical damage coverage provides compensation for damage to your watercraft. It also covers theft. Pollution liability covers instances where your ship inadvertently pollutes a waterway. Business interruption covers the cost of business operations if an accident or natural disaster interrupts regular business operations. If you store your boat inland instead of by a marina, you can also purchase trailer coverage that will cover the trailer used to transport your boat to and from the waterfront.

Marine business insurance differs from boat/watercraft insurance. It provides additional coverage options to meet the needs of businesses that regularly use boats to carry people and/or goods. If you use your boat for any commercial operations, even on a part-time basis, it’s important to purchase a commercial policy. This is because a personal boat/watercraft insurance policy doesn’t cover any type of commercial usage.

Call Riverside Insurance Agency Inc. for More Information

At Riverside Insurance Agency Inc., we specialize in helping Flowood, MS, watercraft owners identify and purchase the right types of coverage for their watercraft. Call us to learn about our policy options or to get a quote.

Why Umbrella Insurance Isn’t Just For the Wealthy

Posted on September 30, 2025September 22, 2025 by admin

When most people think about umbrella insurance, they often assume it’s only for millionaires with sprawling estates and luxury cars. At Riverside Insurance Agency Inc., serving Byram, MS, we hear this misconception frequently. The truth is, umbrella insurance can be one of the most intelligent financial decisions for everyday families, and it’s more affordable than you might expect.

Protection Beyond Your Basic Coverage

Your standard auto and homeowners insurance policies have coverage limits, and those limits may not be sufficient if you face a serious lawsuit. Imagine accidentally causing a multi-car accident or someone sustaining a severe injury on your property. Medical bills and legal fees can quickly escalate into hundreds of thousands of dollars. Umbrella insurance steps in when your other policies reach their limits, providing an extra layer of protection when you need it most.

It’s More Affordable Than You Think

Many people are surprised to learn that umbrella insurance typically costs between $200 to $400 per year for $1 million in coverage. That’s roughly $1 per day for significant financial protection. Considering that a single lawsuit could potentially deplete your savings and retirement funds, this small investment makes excellent financial sense.

Real-World Scenarios Where You Need It

You don’t need to be wealthy to face expensive lawsuits. Parents of teenage drivers, dog owners, social media users, and volunteers could find themselves in costly legal situations. Even something as simple as sharing an opinion online that someone finds offensive could lead to litigation.

Protecting Your Future

Don’t let misconceptions leave you vulnerable. Contact Riverside Insurance Agency Inc., serving Byram, MS, today to learn how affordable this essential protection can be for your family.

Cybersecurity and Commercial Insurance: Protecting Your Business in the Digital Age

Posted on May 30, 2025May 27, 2025 by admin

Protect Your Business from Cyber Threats with Cyber Liability Insurance

If you’re running a business in or around Byram, MS, you already know how crucial it is to protect your property, equipment, and employees. But what about your digital assets? In today’s world, cyber threats like data breaches, ransomware attacks, and phishing scams are just as real—and potentially just as damaging—as physical break-ins.

Whether you’re a small local shop or a growing company with multiple employees, your business likely stores sensitive customer data, financial records, or proprietary information. One successful cyberattack could lead to lost income, legal trouble, and a serious hit to your reputation.

That’s where cyber liability insurance comes in. At Riverside Insurance Agency Inc., we help businesses of all sizes understand their risks and get coverage that makes sense for their digital operations. Cyber liability insurance may help you cover the costs of data recovery, legal fees, customer notifications, and even public relations if your brand takes a hit. Talk about a sigh of relief.

Think of it like this: you wouldn’t skip insuring your building, so why leave your digital doors unlocked? Cybercriminals are becoming increasingly sophisticated, and unfortunately, small and mid-sized businesses are often easier targets than larger corporations.

At Riverside Insurance Agency Inc., serving residents of Byram, MS, we work with you to evaluate your exposure and build a commercial insurance plan that includes cyber protection tailored to your specific needs. We’ll explain the options in plain language—no tech jargon required.

If your business relies on computers, emails, or online transactions (and who doesn’t these days?), It’s time to take cybersecurity seriously. Let’s ensure your coverage stays current with the times.

How to Make Filing a Home Insurance Claim Less Stressful

Posted on April 30, 2025April 22, 2025 by admin

Filing a home insurance claim can feel overwhelming, especially when you’re already dealing with damage or loss. At Riverside Insurance Agency Inc. in Byram, MS, we understand how stressful the process can be, which is why we’re here to help simplify it. With the proper steps and support, filing a claim doesn’t have to add to your worries.

Understand Your Policy Before You Need It

The best time to get familiar with your home insurance policy is before you ever need to file a claim. Take time to review what’s covered, your deductible, and any exclusions. Knowing these details ahead of time can save a lot of confusion and frustration later. If something seems unclear, don’t hesitate to reach out to your agent for clarification—it’s part of what we’re here for.

Document Everything After the Incident

If damage occurs, whether from a storm, fire, or a break-in, start by ensuring everyone is safe. Once the immediate danger is over, begin documenting the damage. Take clear photos or videos of everything affected. Keep receipts for any emergency repairs or temporary accommodations. These details are incredibly helpful during the claims process.

Let Us Help You Through It

Filing a home insurance claim doesn’t have to be a nightmare. With a little preparation and the right team by your side, it can be manageable—and even empowering. If you have questions or need help with a claim, contact Riverside Insurance Agency Inc., proudly serving the greater Byram, MS community today. Communication is key. A good insurance agent should walk you through every step of the claim. At Riverside Insurance Agency Inc., we pride ourselves on being accessible and responsive. We’re here to support you every step of the way.

Tips to Avoid Theft Inside an RV

Posted on February 28, 2025February 21, 2025 by admin

RVs continue to be a popular way to travel without the expense of hotels and motels. Many people have chosen to simplify their lives, making RVs their permanent homes. Whether your RV is used for travel or as a full-time residence, one thing’s for sure: You likely have valuables inside it at any given time. Given their inherently less secure nature, knowing some tips to avoid theft inside an RV is beneficial.

Secure Your Valuables

Don’t make your valuables visible to visitors. Always secure your valuables out of sight or in a safe, recommends Riverside Insurance Agency Inc. serving Byram, MS. RVs often have less secure locks and thinner walls than a home, making it easier for thieves to break in and spot valuables. Investing in a small, secure safe bolted to the structure of the RV for storing valuables like jewelry, cash, and important documents is a smart move.

Install an Alarm System

Consider installing an alarm system. Modern RV alarm systems can alert you to break-ins; some even connect directly to local law enforcement. To deter potential thieves, display alarm decals on the doors and windows.

Use Motion-Activated Lights

Install motion-activated lights around your RV. Thieves prefer to work in the dark, and bright lights can effectively deter intruders.

Get Comprehensive RV Insurance

Ensure your RV insurance, available through Riverside Insurance Agency Inc. serving Byram, MS, includes coverage for personal belongings inside your RV. This not only provides financial reimbursement after theft but also peace of mind while you are on the road.

By taking these steps to secure your RV and ensuring you have robust RV insurance, you can enjoy your travels without worrying about the risk of theft.

How to Add Motorcycle Coverage for Your Expensive Riding Gear

Posted on January 27, 2025January 24, 2025 by admin

At Riverside Insurance Agency Inc., we believe your motorcycle in Byram, MS, deserves the utmost protection from your insurance policy. Our motorcycle policies offer liability coverage, and with the addition of collision and comprehensive coverage, your policy can also cover damage to your motorcycle from accidents or specific perils. While standard motorcycle policies do not typically cover riding gear such as jumpsuits, helmets, gloves, and riding boots, we can assist you in adding coverage that protects these items.

Adding Scheduled Coverage for Gear

Policyholders can extend coverage to their expensive gear through an add-on known as scheduled coverage. It’s important to note that you must own the items you schedule, as each item and its value are listed on the policy. Scheduled coverage insures the specified item against loss or damage, up to the value stated in the policy documents.

What Items Can Be Scheduled?

Scheduled coverage can be applied to any motorcycle gear, including jumpsuits, chaps, riding boots, hats, scarves, helmets, and gloves. If you’ve added a sidecar to your bike, you can schedule that as well. The same applies to a trunk added above the rear fender or radar. If you’ve upgraded parts of your motorcycle, such as the engine, custom paintwork, or chrome tailpipes, these can also be scheduled.

Contact Us Today

Contact Riverside Insurance Agency Inc. today to schedule coverage for the items you’ve added to your motorcycle and riding gear. Let us help you optimize your motorcycle policy before you hit the roads of Byram, MS. If you’re unsure about what to schedule, we can provide an insurance review to guide you.

Why All Boaters Need Boat Insurance to Protect Themselves

Posted on November 25, 2024November 22, 2024 by admin

Boats can be a major expense, and they can end up costing you even more than you thought if you aren’t protected by boat insurance. There are several costs when it comes to owning a boat, and boating accidents can be a significant source of them. To make sure you’re protected by boat insurance, call us at Riverside Insurance Agency Inc. in Byram, MS.

Boating Accidents

Boating accidents can be costly. Not only is there damage done to your boat that will have to be repaired, but you may also be liable for the damage to the other person’s watercraft and pay for all their needed medical treatments after the accident. This could bankrupt someone who doesn’t have boat insurance. Having at least liability coverage on your boat is vital to protect you from what you would owe for the other party’s losses. You need property damage and bodily injury liability coverage to ensure you won’t owe thousands or more after an accident. To be fully protected, you can also have other types of coverage in your policy.

Other Coverage

Getting collision coverage will also protect you in the event of an accident. It would pay for your property damage so that you could get the necessary repairs. In addition, you can get comprehensive coverage to protect you against other things happening to your boat outside the water. With all of these coverage types, you will be well-protected against the unexpected and the exorbitant expenses it can bring.

Get Your Boat Insurance Policy

As soon as you buy your boat, it would be best if you are covered by the right boat insurance policy about it; call us at Riverside Insurance Agency Inc. in Byram, MS.

How Umbrella Insurance Works After an Accident

Posted on October 28, 2024October 22, 2024 by admin

Umbrella insurance is a crucial type of insurance to have if you own a home and at least one vehicle. Without this type of insurance policy, you may not be as well-protected as you think. Many people aren’t aware of the potential risks they face, even if they already have home and auto insurance policies. Adding umbrella insurance can help close any coverage gaps. To get started with an umbrella policy, call Riverside Insurance Agency Inc. in Byram, MS.

More Liability Coverage

Umbrella insurance enhances your liability insurance across two of your insurance policies – your home and auto insurance. Both of these insurance types include a certain amount of liability coverage, but it’s often not enough to cover a serious accident. When you add umbrella insurance to both of these policies, it provides a substantial amount of additional coverage, leaving you much better protected in case you’re responsible for an accident.

How It Works

If there’s an accident that you’re responsible for, your home or auto insurance will cover the accident up to your coverage limits. Once the insurance has reached this limit, it can’t pay any more toward the accident, even if there are additional bills. It’s common for a serious accident to generate additional bills that home or auto insurance can’t cover. When this happens, your umbrella insurance steps in to cover the remaining bills.

Get Umbrella Insurance in Mississippi!

If you want to learn more about these policies, we’re here to help. Contact us at Riverside Insurance Agency Inc. in Byram, MS.

Internal Vs. External Flooding: What Does Flood Insurance Cover?

Posted on September 30, 2024September 27, 2024 by admin

When seeking maximum coverage and protection for your home, you might purchase certain policies, believing they’ll support you in specific situations. For instance, you might buy flood insurance, thinking it will cover you for any flooding issue in your house. But what happens when the flooding originates from within the home rather than from an external source? Does flood insurance differentiate between the two? Is one scenario covered and the other not? Riverside Insurance Agency Inc. in Byram, MS, is here to help you understand your flood insurance policy.

Does Flood Insurance Cover Internal or External Flooding?

It is natural to assume that flood insurance would cover all types of flood – but that’s not always the case. Generally, people purchase flood insurance anticipating external flooding due to significant flood risks in the area. If you live somewhere subject to hurricanes or heavy storms, buying a flood insurance policy would be a reasonable measure to protect your property. But what about internal flooding caused by, for instance, a broken pipe? Even though this is a form of flooding, flood insurance doesn’t usually cover damage from internal causes. Such issues generally fall under your homeowner’s insurance policy. Whatever type of flooding you want to guard against, having comprehensive insurance coverage is vital.

Find the Right Flood Insurance Policy with Riverside Insurance Agency Inc.

Protecting your home from flooding and other common threats is an effective way to safeguard your investment and ensure peace of mind. Our team at Riverside Insurance Agency Inc. in Byram, MS, can help you find the right flood insurance policy for your needs. Compare insurance quotes with us today!

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